WHEN CATEGORIZING INTO
GROUPS, PERCENTAGES ARE NOT ROUNDED. IF THERE ARE NO DATA REPORTED FOR
A PARTICULAR TABLE, THAT TABLE WILL NOT BE REPORTED. THE “#” MEANS
NUMBER OF APPLICATIONS OR LOANS AS APPLICABLE. TABLES THAT
REPORT LOAN PRICING INFORMATION (TABLE 3-2, ALL TABLES IN THE
11 SERIES, TABLE 12-2, AND SUMMARY TABLE B) EXCLUDE LOANS WITH
APPLICATION DATES BEFORE JANUARY 1, 2004. ON THE NATIONAL AGGREGATE
REPORTS, TABLES THAT SHOW CENSUS INFORMATION (TABLE 3-1, ALL
TABLES IN THE 4, 5, 7 AND 8 SERIES, TABLES 9 AND 10, ALL TABLES
IN THE 11 SERIES, TABLES 12-1 AND 12-2, AND SUMMARY TABLE A-4)
INCLUDE LOANS MADE IN RURAL AREAS.

1. ALL CENSUS TRACT AND COUNTY DEFINITIONS
AND POPULATION COUNTS ARE BASED ON THE 2000 CENSUS OF POPULATION
AND HOUSING.

2. THE “INVALID GEOGRAPHIC IDENTIFIERS” ROW CONTAINS DATA WHEN FINANCIAL INSTITUTIONS HAVE REPORTED STATE CODES, COUNTY CODES, OR CENSUS TRACT NUMBERS THAT DO NOT CONFORM WITH 2000 CENSUS DEFINITIONS, OR WHEN THIS INFORMATION WAS NOT REPORTED BY THE INSTITUTION. THE “INVALID MSA/MD NUMBERS” ROW CONTAINS DATA WHEN FINANCIAL INSTITUTIONS HAVE REPORTED INVALID MSA/MD CODES AS DEFINED BY THE U.S. OFFICE OF MANAGEMENT AND BUDGET.

3. INCLUDES DATA ON LOANS IN THIS MSA/MD
FROM INSTITUTIONS WITH A HOME OR BRANCH OFFICE IN THIS MSA/MD,
AND FROM CERTAIN INSTITUTIONS WITHOUT SUCH AN OFFICE.

4. IN
AGGREGATE TABLE 1, PERCENTAGE MINORITY POPULATION (“%MIN POP”) MEANS, FOR A PARTICULAR CENSUS TRACT, THE PERCENTAGE OF PERSONS OF MINORITY RACES AND WHITES OF HISPANIC OR LATINO ORIGIN IN RELATION TO THE CENSUS TRACT’S TOTAL POPULATION. PERCENTAGES ARE ROUNDED TO THE NEAREST FULL PERCENTAGE POINT.

5. APPLICANTS ARE SHOWN IN ONLY ONE
RACE CATEGORY. FOR PURPOSES OF CATEGORIZATION, THE GENERAL
RULE IS: THE RACE (INCLUDING SITUATIONS WHERE RACE WAS REPORTED
AS NOT PROVIDED OR NOT APPLICABLE) OF THE APPLICATION IS CATEGORIZED
BY THE RACE OF THE FIRST PERSON LISTED ON THE APPLICATION UNLESS
THE “JOINT” RACE DEFINITION APPLIES. (“JOINT” MEANS ONE APPLICANT REPORTS A SINGLE RACIAL DESIGNATION OF “WHITE” AND THE OTHER APPLICANT REPORTS ONE OR MORE MINORITY RACIAL DESIGNATIONS.) IF THE “JOINT” DEFINITION DOES NOT APPLY, THE RACE OF THE FIRST PERSON ON THE APPLICATION IS CATEGORIZED AS FOLLOWS:

• THE REPORTED RACE WHEN A SINGLE RACIAL
DESIGNATION IS REPORTED; OR• “2
OR MORE MINORITY RACES” WHEN TWO OR MORE MINORITY RACIAL DESIGNATIONS
ARE REPORTED; OR
• THE MINORITY RACE WHEN TWO RACIAL DESIGNATIONS ARE REPORTED AND ONE IS WHITE.

6. “NOT AVAILABLE” INCLUDES SITUATIONS WHERE INFORMATION WAS REPORTED AS NOT PROVIDED OR NOT APPLICABLE. FOR THE INCOME CLASSIFICATION, ZEROS AND INVALID CODES ARE INCLUDED.

7. APPLICANTS ARE SHOWN IN ONLY ONE
ETHNICITY CATEGORY. FOR PURPOSES OF CATEGORIZATION, THE GENERAL
RULE IS: THE ETHNICITY (INCLUDING SITUATIONS WHERE ETHNICITY
WAS REPORTED AS NOT PROVIDED OR NOT APPLICABLE) OF THE APPLICATION
IS CATEGORIZED BY THE ETHNICITY OF THE FIRST PERSON LISTED
ON THE APPLICATION UNLESS THE “JOINT” ETHNICITY DEFINITION APPLIES. (“JOINT” MEANS ONE APPLICANT REPORTS ETHNICITY AS HISPANIC OR LATINO AND THE OTHER APPLICANT REPORTS ETHNICITY AS NOT HISPANIC OR LATINO.)

8. “MINORITY STATUS” COMBINES INFORMATION REPORTED ON RACE AND ETHNICITY. “WHITE NON-HISPANIC” CONSISTS OF APPLICANTS OF WHITE RACE WHO ARE NOT OF HISPANIC OR LATINO ORIGIN. THE “ OTHERS, INCLUDING HISPANIC” CATEGORY CONSISTS OF APPLICANTS OF MINORITY RACES OR HISPANIC OR LATINO ORIGIN. APPLICANTS NOT SHOWN ARE NON-HISPANICS WHERE RACE IS NOT AVAILABLE, WHITES WHERE ETHNICITY IS NOT AVAILABLE AND THOSE WHERE BOTH RACE AND ETHNICITY ARE NOT AVAILABLE.

9. APPLICANTS ARE CATEGORIZED BY THE
RATIO OF THEIR REPORTED INCOME TO THE MEDIAN FAMILY INCOME
OF THE MSA/MD. THE MEDIAN FAMILY INCOME OF THE MSA/MD IS BASED
ON ANNUAL ESTIMATES DEVELOPED BY THE DEPARTMENT OF HOUSING
AND URBAN DEVELOPMENT (HUD).

10. THE TYPE OF CENSUS TRACT IS
BASED ON DEMOGRAPHIC INFORMATION FROM THE 2000 CENSUS OF
POPULATION AND HOUSING. IT IS NOT BASED ON REPORTED APPLICANT
CHARACTERISTICS.

11. "MINORITY" MEANS (1) ALL RACES OTHER THAN WHITE AND (2) WHITES OF HISPANIC OR LATINO ORIGIN.

12. THE LOW-INCOME CATEGORY CONSISTS
OF CENSUS TRACTS WHERE THE MEDIAN FAMILY INCOME IS LESS THAN
50 PERCENT OF THE MEDIAN MSA/MD INCOME, BASED ON THE 2000 CENSUS
OF POPULATION AND HOUSING. THE MODERATE-INCOME CATEGORY CONSISTS
OF CENSUS TRACTS WHERE THE MEDIAN FAMILY INCOME IS AT LEAST
50 PERCENT AND LESS THAN 80 PERCENT OF THE MEDIAN MSA/MD INCOME.
THE MIDDLE-INCOME CATEGORY CONSISTS OF CENSUS TRACTS WHERE
THE MEDIAN FAMILY INCOME IS AT LEAST 80 PERCENT AND LESS THAN
120 PERCENT OF THE MEDIAN MSA/MD INCOME. THE UPPER-INCOME CATEGORY
CONSISTS OF CENSUS TRACTS WHERE THE MEDIAN FAMILY INCOME IS
120 PERCENT OR MORE OF THE MEDIAN MSA/MD INCOME.

13. EXCLUDES
CENSUS TRACTS WITH NO REPORTED INCOME.

14. “TOTAL” INCLUDES ALL APPLICATIONS OR LOANS, AS APPLICABLE, FOR THE INDICATED CATEGORY, AND MAY NOT SUM FROM ITEMS IN THE BODY OF THE TABLE.

15. INCLUDES LOANS IN WHICH THE ANNUAL
PERCENTAGE RATE WAS BELOW THE THRESHOLD FOR REPORTING, AND
LOANS FOR WHICH NO ANNUAL PERCENTAGE RATE WAS AVAILABLE FOR
CALCULATING RATE SPREAD BECAUSE THE LOAN WAS NOT SUBJECT TO
REGULATION Z. DOES NOT INCLUDE PURCHASED LOANS OR APPLICATIONS
THAT DID NOT RESULT IN ORIGINATIONS.

17. LOANS COVERED BY THE HOME
OWNERSHIP AND EQUITY PROTECTION ACT OF 1994 (HOEPA).

18. “TOTAL” INCLUDES THOSE CASES WHERE GENDER WAS REPORTED AND WHERE THIS INFORMATION WAS NOT AVAILABLE.

19. APPLICANTS ARE SHOWN IN ONLY
ONE GENDER CATEGORY. FOR PURPOSES OF CATEGORIZATION, THE GENERAL
RULE IS: THE GENDER (INCLUDING SITUATIONS WHERE GENDER WAS
REPORTED AS NOT PROVIDED OR NOT APPLICABLE) OF THE APPLICATION
IS CATEGORIZED BY THE GENDER OF THE FIRST PERSON LISTED ON
THE APPLICATION UNLESS THE “JOINT” GENDER DEFINITION APPLIES. (“JOINT” MEANS ONE APPLICANT REPORTS GENDER AS MALE AND THE OTHER APPLICANT REPORTS GENDER AS FEMALE.)

22. INSTITUTIONS ARE NOT REQUIRED TO
REPORT REASONS FOR LOAN DENIALS. “TOTAL” INCLUDES CASES WHERE MULTIPLE REASONS WERE REPORTED.

23. CENSUS TRACTS ARE GROUPED ACCORDING
TO MEDIAN AGE. BECAUSE THE CENSUS DATA ON HOUSING STOCK AGE
ARE CATEGORIZED IN INTERVALS OF SEVERAL YEARS, THE MEDIAN HOUSING
STOCK AGE FOR A CENSUS TRACT IS DETERMINED BY CALCULATING THE
MID-POINT OF THE INTERVAL IN WHICH THE MEDIAN UNIT FALLS. THE
TRACTS ARE GROUPED IN THIS TABLE BY THE TIME PERIOD IN WHICH
THE MEDIAN UNIT WAS BUILT.

24. FOR MSA/MDS WITH MORE THAN ONE
PRINCIPAL CITY, ALL PRINCIPAL CITIES ARE INCLUDED.

25. “MSA/MD LESS PRINCIPAL CITY” INCLUDES ALL CENSUS TRACTS OUTSIDE THE PRINCIPAL CITY (OR CITIES) BUT WITHIN THE MSA/MD.

26. THE “TRACT UNKNOWN” ROW CONTAINS DATA WHEN FINANCIAL INSTITUTIONS REPORTED TRACT NUMBERS THAT DO NOT CONFORM WITH 2000 CENSUS DEFINITIONS, OR WHEN FINANCIAL INSTITUTIONS DID NOT REPORT THIS INFORMATION.

27. THE “COUNTY UNKNOWN” ROW CONTAINS DATAWHEN FINANCIAL INSTITUTIONS REPORTED STATE AND COUNTY CODE COMBINATIONS THAT DO NOT CONFORM WITH 2000 CENSUS DEFINITIONS, OR WHEN FINANCIAL INSTITUTIONS DID NOT REPORT THE COUNTY.

28. “TOTAL APPLICATIONS” EQUALS THE TOTAL NUMBER OF LOANS ORIGINATED, APPLICATIONS APPROVED BUT NOT ACCEPTED, APPLICATIONS DENIED, APPLICATIONS WITHDRAWN, AND FILES CLOSED FOR INCOMPLETENESS; EXCLUDES LOANS PURCHASED. FOR SUMMARY TABLES AT THE INSTITUTION-WIDE LEVEL, “TOTAL APPLICATIONS” ALSO
INCLUDES PREAPPROVAL REQUESTS DENIED AND PREAPPROVAL REQUESTS APPROVED BUT
NOT ACCEPTED.

29. REPORTING PREAPPROVALS APPROVED
BUT NOT ACCEPTED IS OPTIONAL; THEREFORE, THE NUMBERS IN THIS
CATEGORY MAY NOT BE CONSISTENTLY REPORTED ACROSS INSTITUTIONS.

30. FOR EACH LOAN CATEGORY, THE DOLLAR
WEIGHTED MEAN SPREAD IS CALCULATED BY MULTIPLYING EACH LOAN
WITH A REPORTED PRICE SPREAD TIMES THE DOLLAR AMOUNT OF THE
LOAN AND DIVIDING THE SUM OF THESE DOLLAR WEIGHTED LOAN PRICES
BY THE TOTAL DOLLAR AMOUNT OF LOANS IN THE PRODUCT CATEGORY.

31. FOR EACH LOAN CATEGORY, THE DOLLAR WEIGHTED MEDIAN SPREAD
IS CALCULATED FOR EACH LOAN WITH A REPORTED PRICE SPREAD BY
WEIGHTING EACH LOAN AS REPRESENTED BY ITS RATE SPREAD USING
THE DOLLAR SIZE OF THE LOAN AMOUNT. THEN FIND THE RATE SPREAD
OF THE LOAN AT THE MIDPOINT OF THIS DISTRIBUTION OF LOAN
DOLLARS.